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Cheap Car Insurance in Fredericksburg, TX

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Everything You Need to Know About Auto Insurance in Texas

Fredericksburg, TX is nestled in the heart of the Texas Hill Country and renowned for its German heritage, charming downtown, and scenic landscapes. Fredericksburg has a mix of culture, history, and natural beauty, with lots of wineries, historic sites, and outdoor recreational areas for people to explore.

Given the popularity of outdoor activities in the area, Fredericksburg experiences moderate traffic as people use the roads for scenic drives and enjoying a leisurely pace of life. As a popular travel destination and a hub for regional commerce, the city experiences occasional congestion, particularly on thoroughfares such as Main Street and US Route 290. During congested hours, there is an increase in risks like potential crashes or unexpected hazards like wildlife crossings.

Car insurance in Texas is essential given the risks of congestion and surprise animal appearances on the road. When you have the right plan in place, you can navigate Fredericksburg streets calmly, knowing you have the protection you need.

How Much Does Car Insurance Cost in Fredericksburg, Texas?

Drivers in Fredericksburg pay auto premiums of around $612 each year for liability car insurance. This amount is $47 more than the Texas norm of $565, and $132 less than the United States norm of $744.

Fredericksburg’s locals spend about $1,848 each year for full coverage car insurance, which is $171 less than the Texas norm of $2,019, and $696 less than the United States norm of $2,544.

What Does it Mean if Texas Is an At-Fault State?

If you cause an accident in an at-fault state, you are financially responsible for all losses and necessary repairs, medical treatment, and funeral expenses if someone dies during the incident, plus all incident-related property damage.

Motorists must have car insurance that meets or exceeds the minimum amount of protection required by Texas law. Additionally, Texas practices comparative fault, which means that if two or more individuals are found legally and financially responsible, both parties must pay a portion of the losses based on their degree of fault.

Getting a Free Auto Insurance quote with Freeway is easy!

Affordable Car Insurance Rates Comparison by Cities in Texas

This chart shows the monthly rates in Fredericksburg compared to other cities in Texas.

City Full Coverage Insurance Liability Insurance Coverage
Fredericksburg $154 $51
Johnson City $161 $53
Driftwood $154 $53
Texas City $162 $61
Canyon Lake $157 $54

Affordable Fredericksburg Car Insurance Rates by Zip Code

There are many variables that insurers use to calculate your premiums, and your home zip code is one of them. For example, if you reside in an area with frequent crashes and traffic, you drive on risky roads more often. Frequently navigating high-risk streets means you’ll have to pay more for your policy than if you were in a rural area.

Fredericksburg has one zip code. Residents across the city pay an average of $154 per month for full coverage, and $51 per month for state-required liability coverage.

Low-Cost Car Insurance Rates by Age in Fredericksburg

Age is another characteristic providers use to estimate how much you’ll pay every month. Car insurance for young drivers is more expensive compared to adults in their 30s because they lack experience behind the wheel, and thus they cost more to insure.

Below are the average monthly payments for people in Fredericksburg based on driver age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenager $495 $179
20s $219 $72
30s $148 $49
40s $143 $49
50s $131 $46
60s $140 $52
$70 $149 $57

We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100.

Driving Conditions in Fredericksburg

How Many Fatal Accidents Happen in Fredericksburg?

According to the National Highway Traffic Safety Administration, Fredericksburg averages less than one fatal crash every year. NHTSA statistics show that between 2011 and 2021, only four years had fatalities. The highest number of deaths was three in 2018.

How Are the Road Infrastructure and Bridges in Fredericksburg?

Fredericksburg’s local government has a Street Services Division responsible for caring for the roads. This governmental department handles what is necessary to make driving conditions safe, like milling, paving, and repairing roads and sidewalks. The Street Services Division is also in charge of seasonal needs such as plowing, roadside sweeping, and ongoing initiatives like fixing potholes and clearing roads. Major highways and bridges are managed separately by the Texas’ Department of Transportation.

Minimum Car Insurance Requirements in Fredericksburg

Laws in Texas define what the minimum liability requirements are in Fredericksburg and for motorists in other cities. In Texas, your basic liability policy requires:

What Are the Penalties for Driving Without Insurance in Fredericksburg, Texas?

You can receive large penalties and fines for driving without an active policy in Texas. If you are pulled over and don’t show proof of car insurance, the local government sees this as failing to maintain your policy, which is a class C misdemeanor.

For your first offense, you can pay as much as $350, and an annual driver’s license surcharge of $250 for three years. The consequences become more severe if you have more than one transgression. For repeat offenders, here are some of the penalties you can encounter:

  • As much as $1,000 in fines per additional offense.
  • An additional $250 per year for three years for each subsequent offense.
  • Vehicle impoundment and registration suspension.
  • License suspension.

You will receive additional fees for things like reinstating your license and registration or regaining possession of your vehicle. Plus, you may be required to have SR-22 insurance and spend as much as six months in jail if you’re uninsured in an accident.

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Factors Allowed in Fredericksburg Car Insurance Rates

Your location and age aren’t the only factors insurers examine to calculate your premium. Providers look at other factors as well, including:

  • Make and model of your automobile
  • Deductible amount
  • Driving frequency
  • Education level
  • Your marital status

Here’s What You Need to Know about Driving in Texas

Texas has traffic laws and regulations that differ from other parts of the country, and it’s important to be familiar with these details so you drive safely and legally. The Lone Star State has its own right-of-way rules, traffic laws, driving customs, and important highway etiquette rules, which are important to know to make your rides safer and more pleasant.

Texas also has an expansive road network with thousands of miles of highways and interstates, so long-distance travel is common. Whether you are a Texan taking a road trip or commuting to your office, be mindful of these road conditions and traffic patterns, since it’s likely you’ll encounter them.

You’ll also need state-mandated minimum coverage when driving in Texas, although it’s wise to have additional protection options in the event you need more help in case of an accident. When you know what you expect when you’re behind the wheel and have the safeguarding you need, your driving experience in the Lone Star State will be much easier.

What Are the Best Discounts for Car Insurance in Fredericksburg, TX?

Many types of car insurance discounts can help you lower your bills. Plus, you can qualify for several of these savings and apply them to your bill, which can lessen how much you have to pay even more.

Some of the most popular savings among Fredericksburg community members include:

Bundling your policies with the same company can also reduce your premiums. If you already have an auto policy and renters or homeowners insurance, you can help you save as much as 25%.


Get an Online Quote for Car Insurance in Fredericksburg Today!

The Magic Mile Main Street with retail stores, people walking, dining, and parked cars: Fritztown cheap car insurance in Texas.

Vehicle owners in Fredericksburg must have car insurance that meets Texas’s minimum liability mandate. Freeway Insurance can help you find the plans you need at an affordable price.

To discover more, take advantage of our hassle-free online quoting process. Alternatively, you can visit one of our Freeway offices in Texas located near you, or simply give us a call at 800-777-5620.